1. Annual Income: 65k

2. Free Lifetime Annual Fee: waive with swipe/yes

3. Card(s) required for: petrol/groceries, dining (food), tgv cinema, Internet bill, electrical appliances/home stuff (for new home)

4. Existing credit cards (if any): HSBC amanah (poor cash back below rm 2000) and public bank AIA (monthly insurance)

5. Interested in CC from: any

6. Others: don't mind having two more cards which suits different needs. For points/cashback whichever worth

Thank u

plenty of cards to consider

1. Annual Income: 100k+

2. Free Lifetime Annual Fee: waive with swipe or free

3. Card required for: Overseas purchase, airlines, shopping, etc

4. Existing credit cards (if any): Maybank 2card, HLB Esssential, CIMB Cash Rebate Plat, CIMB Enrich, UOB One Card

5. Interested in CC from: any

6. Others: I have existing MBB Amex 2card for weekend purchases already, thinking what else can provide better CB & points conversion. Also looking for one card that has good miles conversion, and another for lounge access in airports.

Thank you sifus.

Which card and bank could be tried to apply if income less than 20k?

At least 24k if below 20k hard to apply but you can go for pledge fd cc

This post has been edited by degionz: Jun 3 2018, 05:22 PM

CC with condition putting an FD with them? Sis dont mind if they open such offer, thinking to apply MBB 2 Cards Amex. Any lobang?

This post has been edited by fairylord: Jun 3 2018, 05:26 PM

Maybank 2 card you can pledge 5k fd but once you lift it the card will terminate it.

plenty to choose, master world, visa infinite or signature also qualified
just depends on which bank you want

I need more specifics than that. Hence I come here.

Thanks

try Aeon credit, i think it is easier

Many thanks for info.

Means i have to stick with lousy rate after it mature if i wish to hold the cards?

Any idea how about the FD to pledge if wish to apply Barcelona (require 48k income) and Petronas Ikhwan Visa (require 36k income)?


I see. thanks will see which card is the lower requirement (easier) and its benefit.

This post has been edited by fairylord: Jun 3 2018, 05:34 PM

You wan maybank 2 cards and barcelona is converntional you can try pledge 5k fd or higher you can try ask the bank officer and ikhwan islamic is different it wont share credit limit on conventional so you must pledge minimun 1k for ikhwan islamic.

Yes you need to stick which the rate bank offer.

This post has been edited by degionz: Jun 3 2018, 05:41 PM

on the rate.

But thanks for the info. Will try to apply.

Minimum income is 24k set by BNM, so it's not about easy or not.

Hi, may I know what credit card is good for Enrich Miles at the moment? I heard Maybank 2 or Cimb. Which is better for miles? Thx

As a start, go ahead and apply Maybank2Cards and Maybank FCB Visa Signature.
Read their respective threads for information, they should be able to cover all your expenses.

Of course, you can apply other cards to complement but let's start with these two first.

May I know which cashback card best for BHP petrol usage ?

Currently what I can think of is May bank Ikhwan master (5% for petrol on Fri & Sat)

For rest of days, Maybank FCB - 2% CB

1. Annual Income:

RM36K

2. Free Lifetime Annual Fee:

A Must

3. Card required for:

Petrol on Weekdays, Cash Back/Rebate

4. Existing credit cards (if any):

MBB 2 Cards (AMEX & Visa),
HSBC Amanah MPower Platinum Cash Back,
PBB Quantum ("Just approved")

5. Interested in CC from:

Any. Was thinking MBB FCB but don't think I meet salary requirement

6. Others:

Already using AMEX for weekend petrol.
Gonna use Quantum for Dining and Grocery.
Been using HSBC everything else, especially for weekdays petrol. Didn't really read their T&C and only realized BHP is not part of their "Petrol" Merchant, so no Cashback for me
Looking to cancel HSBC and apply for another one in about 3-6 months.

Free Lifetime Annual Fee: YES

Card(s) required for: petrol/groceries

Existing credit cards (if any): Maybank 2 cards Platinum, Maybank FC Barcelona VISA

Interested in CC from: Maybank Petronas card


I was wondering which Maybank Petronas card should I get to pay for my car fuel. At the moment I use my Maybank 2 cards Amex for fuel and utilities bill on weekend, and it always reach the MAX cash rebate RM50.

I used Maybank FC Barcelona Visa for dining, insurance, children's tution, shoppings and always max cash rebate

Now I like a fuel card. THanks

Ikhwan MasterCard good for fuel and groceries too. Fri and sat get 5% rebate.